Newb73
Valuable Member
Unfortunately you hear all sorts of bad things about all insurance companies.
In my 40+ years my mom had a house burn with State farm......no problem. I had a wreck when I as 21 and a car stolen a year later....no problem either time. We had a major vandalism on a rental house last year (someone stole all the wiring and all the plumbing), not a problem. My brother backed his jeep into my mustang in the driveway, we both had state farm, no problem. In all cases with state farm, zero problems and the money paid fast and the adjusters were very reasonable.
Likely the issues involved, more often than not are not customer service issues but rather coverage issues.
What we see time and time again, and I work in health care and this happens a lot also...is that for the average customer they do not understand coverages.
If you are not covered for something, you are not covered for it. If you didn't buy the insurance for a certain coverage, you can hardly blame the insurance company for not paying a claim on either something you did not purchase or on something that is specifically excluded from your policy.
You only have to read your policy to understand your coverages. It is not rocket science.
If you DID have the coverage than they have to pay...or you can make the insurance commissioner FORCE them to pay...again, no rocket science required.
If there is a dispute regarding the value of said property you can get an independent adjuster or even an attorney involved. It may very well be that what YOU valued it at was not the true value (trailer is a good example as I doubt the real market makes exceptions for recently renovated trailers...just like the used car market does not take into account the fact that you babied your car, parked it away from other cars and used only high quality oil and did all the mainatnance......because in the real world market, none of that matters because there is no way to reliably validate that info and everyone lies and say they did even when they didn't).
State farm and other insurance companies did not create those realities and circumstances, but they do have to do business in the real world where those rules apply.
In my 40+ years my mom had a house burn with State farm......no problem. I had a wreck when I as 21 and a car stolen a year later....no problem either time. We had a major vandalism on a rental house last year (someone stole all the wiring and all the plumbing), not a problem. My brother backed his jeep into my mustang in the driveway, we both had state farm, no problem. In all cases with state farm, zero problems and the money paid fast and the adjusters were very reasonable.
Likely the issues involved, more often than not are not customer service issues but rather coverage issues.
What we see time and time again, and I work in health care and this happens a lot also...is that for the average customer they do not understand coverages.
If you are not covered for something, you are not covered for it. If you didn't buy the insurance for a certain coverage, you can hardly blame the insurance company for not paying a claim on either something you did not purchase or on something that is specifically excluded from your policy.
You only have to read your policy to understand your coverages. It is not rocket science.
If you DID have the coverage than they have to pay...or you can make the insurance commissioner FORCE them to pay...again, no rocket science required.
If there is a dispute regarding the value of said property you can get an independent adjuster or even an attorney involved. It may very well be that what YOU valued it at was not the true value (trailer is a good example as I doubt the real market makes exceptions for recently renovated trailers...just like the used car market does not take into account the fact that you babied your car, parked it away from other cars and used only high quality oil and did all the mainatnance......because in the real world market, none of that matters because there is no way to reliably validate that info and everyone lies and say they did even when they didn't).
State farm and other insurance companies did not create those realities and circumstances, but they do have to do business in the real world where those rules apply.
Last edited:
